Eastpoint Aviation Group
CIF-01409 · U76408CA2014PLC101409 · Transportation · Mid Corporate · Canada
RM: Matthew Sanchez
Credit Risk Manager: Ryan Harris
Exposure: $3.96M
CBRB: OLEM
Internal: OLEM
Risk Score:68 · High
Total Exposure
$3.96M
Prev: $3.87M2.3%
Utilization
90.0%
Prev: 84.3%5.7pp
Banking Relationships
3
Prev: 30.0
CBRB Rating
OLEM
Prev: OLEM
Internal Rating
OLEM
Prev: Normal
Open Alerts
3
C 1
H 0
M 1
L 1
Exposure Trend Analysis · 24 Months
Funded · Non-Funded · Total
Utilization Trend · Reporting Bank vs Other Banks
Threshold 70%
Rating Migration Timeline
No rating changes in the last 24 months. Currently OLEM.
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 4
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 6/7/2026 | Rating Downgrade | Critical | Borrower rating migrated from OLEM to OLEM. | In Review | David Wilson | — |
| 3/31/2026 | Exposure Shift to Other Banks | High | Exposure with our bank declined while CBRB system exposure remained stable, indicating a shift to competitors. | Resolved | Amelia Thomas | 3/31/2026 |
| 2/6/2026 | Rating Upgrade | Medium | Borrower rating improved to OLEM. | In Review | Mia Rodriguez | — |
| 4/19/2026 | Exposure Reduction | Low | System-wide exposure declined materially over the prior month. | Open | Olivia Taylor | — |
AI Risk Score
68
/ 100
High Risk
Low
0-30
0-30
Med
31-60
31-60
High
61-80
61-80
Crit
81-100
81-100
Risk Driver Analysis
Utilization Level+23
CBRB Rating Migration+21
Industry Concentration+11
Banking Relationship Growth+6
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure increased by 2.3% month-over-month, currently at $3.96M. Banking relationships moved from 3 to 3 banks per CBRB data. CBRB rating remained stable from OLEM to OLEM. Current utilization is 90.0% — above the 70% early warning threshold. Overall borrower risk is assessed as high.
Recommended Actions
Review Credit Facility Structure
HighSchedule Customer Meeting
MediumReassess Collateral Coverage
HighEscalate to Credit Committee
LowInitiate Monthly Monitoring
MediumRelationship Team
Relationship Manager
Matthew Sanchez
matthew.sanchez@bank.com
+1 555 0099
Portfolio: $2.20B
Credit Risk Manager
Ryan Harris
ryan.harris@bank.com
+1 555 0187
Portfolio: $1.96B
Business Head
Jacob Moore
jacob.moore@bank.com
+1 555 0253
Portfolio: $2.23B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $2.41M | $1.55M | $3.96M | 90.0% | 3 | OLEM |
| 2026-05 | $2.28M | $1.58M | $3.87M | 84.3% | 3 | OLEM |
| 2026-04 | $2.00M | $1.73M | $3.73M | 81.4% | 3 | OLEM |
| 2026-03 | $2.23M | $1.31M | $3.54M | 77.1% | 3 | OLEM |
| 2026-02 | $2.17M | $1.14M | $3.31M | 78.9% | 3 | OLEM |
| 2026-01 | $1.97M | $1.15M | $3.12M | 80.6% | 3 | OLEM |
| 2025-12 | $1.69M | $1.37M | $3.06M | 78.3% | 3 | OLEM |
| 2025-11 | $1.62M | $1.25M | $2.86M | 76.3% | 3 | OLEM |
| 2025-10 | $1.55M | $1.35M | $2.90M | 75.6% | 4 | OLEM |
| 2025-09 | $1.82M | $1.12M | $2.94M | 76.4% | 4 | OLEM |
| 2025-08 | $1.75M | $1.06M | $2.81M | 76.0% | 4 | OLEM |
| 2025-07 | $1.58M | $1.37M | $2.95M | 73.8% | 4 | OLEM |